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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,120 | $36,140-11.1% | $73,658-56.4% | $64,340-50.1% |
| Participation rate | 23.9% | 31.0%-7.1pp | 57.0%-33.1pp | 55.2%-31.3pp |
| Annual return | 18.53% | 21.48%-3.0pp | 29.72%-11.2pp | 24.14%-5.6pp |
| Employer contribution / active EE | $582 | $443+31.2% | $1,032-43.7% | $1,862-68.8% |
| Participant deferral / active EE | $936 | $1,023-8.5% | $2,062-54.6% | $2,980-68.6% |
| Admin fee / account holder | $3,854 | $2,513+53.4% | $3,357+14.8% | $3,703+4.1% |